Let’s face it—you and your insurance company have different agendas. They would like to accept your premium payment and pay only small or easy claims. You would like your claim fully covered, and rapidly.
Another reason your insurance company may not have paid is that they say you didn’t pay your premium on time. But if you have evidence that you did, or that they accepted a partial payment or didn’t send you a notice of cancellation, you may be able to persist in the theory that you have an agreed insurance contract.
In some cases, your insurance company may be engaging in illegal or unconscionable claims behavior. See http://www.statutes.legis.state.tx.us/Docs/IN/pdf/IN.541.pdf .
What should you do in the above situation? We live in an advanced society where people, regardless of the economic disparity with their opponents, may enforce their rights. A competent lawyer willing to work on a contingency fee would also help.
With strong advocacy of the facts and law, you and your insurance company can negotiate a fair settlement.